“What is group accident insurance?” and other FAQs

Coverage for group policies can begin as early as one day after we receive your completed policy application and premium payment. Because all applications must be signed and dated the day payment is provided, the policy effective date must be at least one day later.

• Check (plan sponsor or agency check)
• Electronic transfer using an ACH form*
• Credit card (Visa or MasterCard)*

Group accident insurance policy applications are processed more quickly using the ACH or credit card options. If you choose one of these options, you don't need to mail the original application. Otherwise, you can mail the application with your check payment. The effective date of the policy will be honored with the acceptance of the risk and the payment of policy premium.

*Please contact our agency support line for assistance with ACH or credit card payments.

All policies, claim forms and certificates (if required by state law) are mailed to the agent or plan sponsor the day after they're issued.

Short-term group accident insurance policies don’t renew automatically. Nationwide Specialty Insurance will send a notice 60 days before your policy expires. If the policy is renewed, you’ll get a new policy number.

For agents, a canceled check or proof of payment will serve as verification of a renewing policy. Confirmation of the renewal will also be specified by an appointed agent's commission statement.

Written proof of your loss should be mailed within 90 days of the incident. This includes the completed claim form and any supporting documentation.

• A fully completed claim form
• Itemized bills
• The Explanation of Benefits from your primary insurance carrier (if applicable)
• Proof of payment of itemized bills

Only one completed claim form is required per incident. Any subsequent documents must clearly identify the plan sponsor, policy number and patient’s name.

Assignment of benefits is optional. The signature of the patient (or parent, if the patient is a minor) is required if payment is requested to be made directly to the provider of medical services. If an assignment isn't made, the provider may have assignment on file. In this case, proof of payment in full is required before the reimbursement can be made to the patient or parent.

Submit the claim by email, postal mail or fax. 

Email
KK.PAClaims@kandkinsurance.com

Mail
K&K Insurance Group, Inc.
Claims Department
PO Box 2338
Fort Wayne, IN 46801

Fax
1-312-381-9077

Claims 800#
1-800-237-2917, option 1

To check the status of a claim, call the claims department at 1-800-237-2917, option 1.

• Insured's name
• Phone number with area code
• Patient's name (if different from insured's name)
• Member number (if applicable)